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Apple Card
Apple Card
- 15.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
You don’t need to need to be a die-hard fan to fall in love with the intelligently designed Apple Card. Designed for digital use in conjunction with Apple Pay (spoiler: an iPhone is required), this card boasts no annual fee – or any fees for that matter – up to 3% cash back for Apple and other popular retailers, automatic cash back rewards, a gorgeous interface for monitoring your spending, and innovative security features to make credit card theft a worry of the past.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn cash back with every purchase
- No hidden fees
- Get a detailed breakdown of your spending from your iPhone
- Regular Purchase APR: 15.74% to 26.74% variable based on creditworthiness and the Prime Rate
- You own an iPhone (or are planning to buy one)
- You're loyal to the Apple ecosystem
- You frequently use your mobile device for making purchases (a.k.a. your digital wallet)
- You do't want to worry about carrying your wallet everywhere you go to make purchases
- You do't want the hassle of deciding how to redeem rewards
GM Extended Family Card
GM Extended Family Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 9 months Intro Purchase APR
At a Glance
Earn 1% in rewards points on all purchases towards the purchase of a new Chevrolet, GMB, Buick, and Cadillac or redeem for cash back in $50 increments. Earnings from the GM Extended Family Card can be combined with GM Employee or Supplier discounts.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Get $100 in Earnings to redeem at GM when you spend $1,000 in your first 3 months
- 1% Earnings on all purchases
- 0% Intro APR on purchases for first 9 months
- Intro Purchase APR: 0% for the first 9 months
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You're an employee or supplier of General Motors
- You have family members whose spending could help expedite earning accumulation
- You regularly upgrade to newer vehicles or plan to purchase one in seven years
- You want a credit card with no annual fees
My GMC Rewards Card
My GMC Rewards Card
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The My GMC Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Marcus. The card offers a lucrative sign-up bonus, a 0% APR period, and no hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points do't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.74% to 29.74%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're planning on purchasing a Chevrolet, Buick, GMC, or Cadillac for your next vehicle
- You anticipate spending at least $1,000 within your first 3 months as a cardmember
- You have an excellent credit score
- You do not want to pay annual fees or foreign transaction fees
My Chevy Rewards Card
My Chevy Rewards Card
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The My Chevy Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Marcus by Goldman Sachs. The card offers a lucrative sign-up bonus, an introductory 0% APR promotion, up to 7X points per $1 on eligible purchases, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points do't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.74% to 29.74%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're planning on purchasing a Chevrolet, Buick, GMC, or Cadillac for your next vehicle
- You anticipate spending at least $1,000 within your first 3 months as a cardmember
- You have an excellent credit score
- You do not want to pay annual fees or foreign transaction fees
My Buick Rewards Card
My Buick Rewards Card
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The My Buick Rewards Card offers a lucrative sign-up bonus, a 0% APR period, and no hidden fees. From Marcus, the card earns up to 7X points on purchases and provides automatic Gold status in My Gm Rewards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points do't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.74% to 29.74%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're planning on purchasing a Chevrolet, Buick, GMC, or Cadillac for your next vehicle
- You anticipate spending at least $1,000 within your first 3 months as a cardmember
- You have an excellent credit score
- You do not want to pay annual fees or foreign transaction fees
You've viewed 5 of 6 credit cards
About Marcus by Goldman Sachs Credit Cards
The Apple Card is Goldman Sachs Bank’s first foray into the credit card world. As a powerhouse tech company, Apple wanted to create a card that fit seamlessly into its Apple Pay program. The result was a zero-fee card that cardholders never even have to pull out at the register – it syncs perfectly with the iPhone’s digital wallet and earns instant cash back along the way.
Apple Card
As the first of Goldman Sachs credit cards, the Apple Card offered a clean slate on which Apple could exert its influence (thus, why the card’s motto is “Created by Apple, not a bank”). This enabled the company to negotiate a deal that gives customers more data privacy than most other credit cards offer and also prohibited the use of customer data for ad sales. This privacy policy has since shifted a bit to make the Apple Card more accessible to interested applicants.
Is the Apple Credit Card Worth It?
Unsurprisingly, the initial announcement of the Goldman Sachs Apple Credit Card generated plenty of excitement from current and potential Apple customers. To see if it lived up to the hype, let’s take a look at some of the Apple Card’s standout features:
- Instant Cash Back Rewards: Many cash back credit cards process reward earnings monthly or quarterly. With this Apple rewards card, you’ll gain access to your cash back almost immediately through the Wallet app, with no minimum requirements to redeem.
- Transaction Tracking: Not only will you see your recent transactions in the digital wallet, you’ll also get data on the exact store and location of each purchase.
- Color-Coded Categories: Each purchase is sorted by color into a major category for easy budgeting.
- Payoff Calculator: This in-app tool shows you how much interest you’ll owe depending on the size of your balance.
- Absolutely No Fees: That’s right. No annual fee, foreign transaction fee, late fee, or any other kind of fee you can think up.
These are some pretty stand-out features, but you’ll need an iPhone to benefit from any of them. If you’re already an Apple fan or plan on starting out with the latest model, this could be a great companion to the Apple Pay app. You’ll be ahead of the curve as digital wallets become more popular at checkout.
General Motors
Beyond Apple, Marcus also offers co-branded credit cards with General Motors. The bank acquired the GM credit card portfolio from Capital One in 2019, including its popular consumer and small business credit cards. The GM credit card portfolio is one of the oldest programs of its type, having launched its first consumer credit card nearly 30 years ago – in 1992. Since then, millions of consumers have used General Motors credit cards to earn rewards towards Chevrolet, Buick, GMC, and Cadillac vehicle purchases and services.
The General Motors credit card portfolio from Marcus consists of three unique credit card products, two consumer and one small business credit card:
Additionally, there are alternative branded versions of the My GM Rewards Card, including:
How to Maximize Rewards with GM
As with any other credit card program, there are practical steps you can take to ensure you maximize your value with GM credit cards from Marcus:
Take Advantage of Introductory Offers
GM credit cards come with attractive welcome bonuses. Typically, these bonuses involve earning around $150 in bonus points after meeting a minimum spending requirement within the first few months. Take advantage of these offers to kickstart your rewards – especially if you already have plans for a large purchase.
Don’t Forget About 0% APR
The GM credit card portfolio offers 0% intro APR for all of its offers, typically for 12 months on purchases, although this offer may vary depending on your offer and the time you apply. That lengthy period is ideal for anyone with a GM vehicle requiring maintenance or servicing, as 12 months with no interest is great for financing major repairs.
Pay Your Bills in Full and On Time:
Always pay your credit card bill in full and on time to avoid interest charges and late fees. This responsible payment behavior ensures that your rewards are not offset by interest expenses. Retail credit cards are notorious for higher-than-average interest rates -and while the GM credit cards from Marcus have very competitive APRs on purchases, it is still advisable to avoid carrying a balance from month to month.
Redeem Wisely
Finally, when it comes time to redeem your rewards, do so strategically. You might use them to offset the cost of a new GM vehicle, pay for maintenance and repairs, or even redeem gift cards or other rewards. Consider what provides the most value for your specific situation before choosing your award type.
Common Features of Marcus by Goldman Sachs Credit Cards
So, what can you expect from a credit card issued by Marcus? Goldman Sachs credit cards share some common features:
| Feature | Explanation | ||
|---|---|---|---|
| No hidden fees | Goldman Sachs credit cards feature no hidden fees of any type. This means you can expect no annual fee, no foreign transaction fees, no penalty APR, and more. | ||
| Credit score monitoring | Marcus provides complimentary access to the cardholder’s FICO credit score each month. | ||
| Prequalify | Using the bank’s pre-qualification service, you can check your suitability for a Marcus credit card before applying. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score. | ||
| Rewards don’t expire | GM Rewards and Apple Card rewards never expire! | ||
It’s important to note that credit card offerings can change over time. Additionally, eligibility for specific features may vary depending on your creditworthiness and the specific Marcus card you apply for.
FAQs About Marcus by Goldman Sachs Credit Cards
Here are answers to some of the more commonly asked questions about Marcus, Goldman Sachs, and its credit cards:
Can I change my payment due date?
Currently, it is not possible to change your payment due date. If being on time is a concern, Marcus says its AutoPay could help – it’s a way to schedule payments so they are always on time. And you only need to set it up once.
How can I set-up AutoPay?
Marcus provides the following information to assist with setting up Auto-Pay for your Marcus credit card:
There are many ways you can make payments in addition to setting up AutoPay:
- Make a payment online by setting up your account at marcus.com/gm or on the Marcus app. This will require you to set up a new username and password.
- Update your Bill Pay with your bank to direct your payments to Marcus by Goldman Sachs.
- Mail a check to us at the address below with your 16-digit card number in the memo line.
Goldman Sachs Bank USA, Salt Lake City Branch
PO Box 70321
Philadelphia, PA 19176-0321
How do I report fraudulent charges?
The easiest way to login to your credit card account online is to select “Controls and Security” and then follow the prompts.
Alternatively, call Marcus by Goldman Sachs immediately at 1-833-773-0988
Can I add Authorized Users?
Yes, adding an authorized user is a great way to help build their credit based on your hard work. To add another person to your Marcus card account, follow these steps:
- Log in at marcus.com or on the app
- Select your GM Rewards Card Account
- Look for and select the three dots (. . .)
- Select the “Add” button
- To setup spending limits for authorized user, select the Authorized User and modify the setting
What credit report does Marcus pull?
Marcus by Goldman Sachs uses TransUnion FICO and TransUnion Vantage Score for credit card applications.
How can I contact Goldman Sachs credit card customer servcie?
You can reach Marcus credit card customer service agents at 1-844-627-2872.
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